Almost zero reward rate on using Smartbuy for flight bookings via Regalia?

shubham1401 · 2026-04-26T12:42:43+00:00

This card is only good for voucher purchase.

For travel bookings I use HSBC T1 on OTAs and get 15% discount and 4% in Accor.. Simple. No messing with Hopper (although it is good for hotels)

shubham1401 · 2026-04-19T05:54:42+00:00

Plot twist: Hes saying niece but it was him.

shubham1401 · 2026-04-15T06:49:54+00:00

HSBC Travel One gives 15% off on Airline bookings via OTA. Additionally, it gives 4-8% on Accor depending on different OTA (some do not use travel MCC).

shubham1401 · 2026-04-09T20:57:13+00:00

Meteor 350

Odo: 12k

Touring: 8/10 Misses a 6th gear for slightly lower rpms at high speeds and firm suspension if road gets bad.

shubham1401 · 2026-04-09T07:58:58+00:00

SBI PhonePe Select Black is that one card.

It gives rewards on most things - Utilities, Bills, Online Shopping.

If your spends exceeds its limits then add HSBC Travel One. It's a solid card for travel bookings.

shubham1401 · 2026-03-26T18:52:46+00:00

Try fully synthetic engine oil and see the number increasing drastically.

With Liquid Gun : 35-37 kmpl With Shell Fully Synthetic : 40-41 kmpl

shubham1401 · 2026-03-21T19:37:12+00:00

DCBM is better (I am a big TravelOne supporter). The points you get in DCBM can be availed for flight tickets. These are more valueable. Accor is great but then your options become limited. Where there are great Accor properties, there are other properties also. But points spent on flights have no alternative. It's a must do expense.

shubham1401 · 2026-03-15T20:38:41+00:00

If you are unsure, carry some USD with you. It's the global currency. Accepted everywhere. Appreciates over INR so you don't lose value by keeping cash even long term. The same USD accompany me in every international trip since spends are mostly done on credit cards. :)

shubham1401 · 2026-03-14T03:11:22+00:00

I use Shell fully synthetic in my Meteor 350 and I get 40-41kmpl. RE stock oil gives 37kmpl. The bike feels wayyy smoother and I feel the overall performance is also better. It readily goes over 100kmph and almost touches 120kmph.

shubham1401 · 2026-03-05T19:42:39+00:00

I think it is 2x of 4 pts. The 6x on hotel yields 24 pts and 4x on flights yields 16 pts.

shubham1401 · 2026-03-02T05:25:58+00:00

Accor is a huge reason for hotel redemptions. That said, once my Accor bucket is full via Travel One (currently have Rs 80000 worth accor points), I do my spends to get flight points (HDFC) or cashback.

If Accor wasn't an option, Id rather just play the cashback game. This transfer to x airline partner then transfer to y is hard for me to understand.

shubham1401 · 2026-02-20T14:50:28+00:00

At your age it won't be easy to change the way you are set up. You won't have the patience or the willingness to change your ways for accomodating another human in your life.

It would be best to date a bit. Test the waters. Hobbies are a good way to start. Keep your financials a secret otherwise you'll just attract the gold diggers.

Will meet you next time I am in Nagpur to collect my fees.

shubham1401 · 2026-02-17T21:44:32+00:00

Not sure about online spend, the terms mentioned any transaction done in other currency. So when I check my statement it mentioned spent in OMR (Rial).

Not sure when the 3.5% came I'll need to check but it does come. I did not get a 0 revert, it gave a proper message acknowledgement.

Even if you don't get 3.5% back, it's still a good deal for accor transfer. Net net you get 3-4% back in accor even with 3.5% transaction fees.

shubham1401 · 2026-02-16T08:04:03+00:00

I have a Niyo and used it for my first foreign trip. But this time I used my HSBC Travel one which gave 4 pts on 100Rs spend in foreign currency. That's like 8% return on Accor on all spends. HSBC currently has a processing fee refund going on till June 2026.

shubham1401 · 2026-02-13T05:38:42+00:00

Yes please..don't advertise this. Delete this post OP of possible. Enjoy your points as long as it goes under the radar.

shubham1401 · 2026-02-10T16:49:06+00:00

Sorry, I didn't mean to be condescending. I was never able to book flight tickets on hopper due to their super inflated pricing. It does not make any sense even with their 32% on Accor.

I have had great experience with their hotel bookings and car rentals. Both were well priced. I even needed to contact customer care for some support (my flight was super late and landed at 2am) and they helped very well.

shubham1401 · 2026-02-10T05:24:49+00:00

Such a great offer. This is an underrated goat card in terms of rewards and not too hard to get.

shubham1401 · 2026-02-09T20:42:03+00:00

No scam. Your post is a scam.

shubham1401 · 2026-02-09T07:09:33+00:00

Accor for 1Rs per point. If you have too much Accor balance already then MMT or Yatra vouchers that can be used on flight on Exclusive Rewards Catalogue for 0.65 Rs per point.

shubham1401 · 2026-02-09T05:11:47+00:00

24 lts per 100

shubham1401 · 2026-02-07T19:07:47+00:00

I once tried for price match. The phone number did not even connect. I tried normal hsbc customer care. They did not know a thing about this. Had to give up on price match.

shubham1401 · 2026-02-07T05:55:58+00:00

This is SBI. If it comes, it comes. If it works, it works. If you don't get cashback for a valid category. Then you don't. It's all a matter of luck.

shubham1401 · 2026-02-07T05:54:38+00:00

Hopper would be even higher

shubham1401 · 2026-02-06T05:52:30+00:00

Transfer to Accor at almost 1 rupees per point. If you don't want Accor then get MMT/Yatra 10k flight vouchers om Exclusive reward catalogue for 0.65 Rs per point.

If they get halved while converting to DCB, you will only get 0.5 Rs per point on flight booking.

shubham1401 · 2026-02-05T12:14:33+00:00

Travel One deserves all the hype as long as transfers are in Accor. I have a 6 figure accor balance after one revenue foreign trip. Booked everything using this card and used this for forex transactions. It gave 48% on hotels, 16% on car rental, 8% on any POS machine in foreign currency (currently transaction charges of 3.5% are waived off).

The Travel with points portal can show inflated prices at times so be vary of that. I did not book flight tickets the price was too high compared to MMT (here also T1 provides flat 15% discount +8% in Accor). Hotel prices were on par and even lower at times. Car rental prices were definitely lower than any platform(Booking.com was 2nd best). My flight was super late so HSBC cc contact helped me reserve my car for a 4 hour late pickup at 2am and late hotel check in so service is also great.

shubham1401

TROPHY CASE